Sarasota Florida Location

I am located in Sarasota, Florida, but have clients throughout the United States. I can communicate with you in whatever manner you are comfortable, whether by phone, fax, email, in person, or even via video conference. Contact me to arrange an appointment for your personalized insurance quotes.

My resident insurance license is for the state of Florida, however I can and already do service clients in states other than Florida. If I don’t already have a specific state non-residence license, I can generally acquire one relatively quickly depending on the state.

How Does Medicare Benefits Work If I Already Have VA Benefits?

Well first of all, Medicare generally does not coordinate with VA benefits.

However you can have both Medicare and VA benefits. Many people choose to use both VA & Medicare benefits in order to have access to more providers and services.

Medicare and VA benefits do not work together though. (Medicare generally does not pay for care that you would receive in a VA facility.)

For Medicare to cover your care, you generally have to receive care at a Medicare certified facility that works with your Medicare plan coverage.

For VA to cover your care, you generally must receive your health care service at a VA facility. However exceptions can be made, for example if you receive prior authorization from the VA to receive VA covered services at a Medicare approved facility. Also if an emergency occurs that requires you to receive care, the VA may cover some of the costs until you can be moved to a VA facility for continued care.

Many veterans receive their VA health benefits to get coverage for health care services and items not covered by Medicare. Examples could be: over the counter medications, annual physical exams, and hearing aids, all depending on what current Medicare plan they have.

You may want to consider enrolling in Medicare Part B even if you have VA coverage, sincePart B may cover services you receive from Medicare certified providers and provide you with medical coverage outside the VA health system. Note: Without Part B, you will not have Medicare coverage for physician, outpatient, and ambulance services. Also, if you do not enroll into Part B when you are first eligible to do so, but then later decide to enroll in Part B, you will likely face a Part B premium penalty for each 12 month period you were without Medicare Part B coverage. Lastly, you may also experience gaps in coverage.

Drug coverage offered by the VA is creditable. Which means, it is as good as or better than Medicare Part D prescription drug coverage. So as long as you remain enrolled in drug coverage through the VA, you can delay enrolling in Medicare Part D without penalty. If you are interested in enrolling in a Part D plan in addition to your VA coverage, then compare your options first. Some things to consider are the costs of a plan’s premiums, deductibles, and copays, the drugs that are available on a plan’s formulary (the list of covered drugs), and the pharmacies that you can go to.

Note: Medicare Insurance information can be overwhelming and confusing to many people. As an independent licensed agent I can explain things to you in simple terms so you feel comfortable making a decision. Then I can help you choose and enroll in a plan that you feel fits your needs.

By the way, it doesn’t cost you any more if you enroll in a Medicare Insurance plan through me as an independent agent versus directly with an insurance company either over the phone or via the Internet, since I get paid by the insurance companies for your enrollment. Plus you will have personalized service by a local agent. If you would like my assistance, please call me at 941-404-5334.

By calling this number, I understand I will be directed to a licensed insurance sales agent.